There are two schools of thought here. One says you don’t need the comma because you have the word ‘and’. The other says it makes clearer sense to add it. I fall into the latter group, and here’s a sentence that shows why. We enjoy games such as Monopoly, Sorry, Rummy, and Chutes and Ladders. If we didn’t put a comma after Rummy, it would sound like the name of the game was Rummy and Chutes and Ladders. This doesn’t happen often, but I simply make it a rule to put a comma every time, instead of analyzing whether I should or not.
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